(The spousal consolidation student loan I have with my wife has been sold to a new student loan company, as happens often with loans. I get the paperwork and immediately notice a mistake. Someone has swapped my father’s name for my wife’s name and listed him as cosigner. We all share the same last name, which is being used by both of us at every point in this conversation.)

Representative: “Hello, this is [Representative]. How can I help you?”

Me: “Yes, I noticed that, at some point when my student loan was transferred to your company, someone seems to have mistaken my father’s name, John [Same Last Name] for my spouse’s name, Mary [Same Last Name]. So, you are listing my father as my spouse and cosigner for this loan. As this is a spousal consolidation student loan, only my wife has ever been a cosigner this loan, and every other loan for that matter, so this is an error on your part.”